At Rate Advantage, we’re more than just a mortgage brokerage — we’re your partner in achieving homeownership with confidence and peace of mind. Founded by Justin Hrabovsky, one of the nation’s top-ranked mortgage professionals, Rate Advantage was built on a simple mission: deliver the lowest rates in the market while making the mortgage process transparent and stress-free. With access to over 280 lenders and every loan program, we have the tools and expertise to find solutions that truly fit your financial goal

• Lowest Rates Guaranteed (upload any lenders Loan Estimate and we will beat it)

• Conv/FHA/VA/USDA Fixed and ARM's
• ALL loan programs in marketplace 
• Dozens of down payment assistance programs
• FHA/VA down to 500 FICO
• Spanish speaking loan officers available

Low cost home loans with award-winning service. Experts in new construction financing.

    - Open 7 Days a Week

    - Best Rate and Terms Guarantee
   

    - Close your home loan in as little as 8 days
   

    - Local offices in DFW with personalized service
    

    - Free refinances for life with our Rate Protection Plan

          RUN LIVE RATES & PAYMENTS

We believe owning a home is one of the greatest wealth builders out there.  So our goal is to make homeownership more accessible, and to help more people buy homes.  Where honesty counts.  

    - Lender Credit thru the AMSW Direct Platform

    - Low Rates & Fees

    - Manually Underwritten Loans for Credit Challenged Buyers

    - Free Refinance on the Property for Life

    - Portfolio Products to Meet All Needs

    - Home to Home Program to Bridge the Sale of Your Current Home

    - Credit Repair Available for Credit Challenged Buyers

    - Self-Employed, ITIN, Bank Statement Loans, 100% Financing and many other Specialty Programs Available

    - Your Number One Specialist in FHA, VA and USDA Loans

    - Spanish Speaking Loan Officers Available

Building Your Best Loan

We shop multiple lenders so you don't have to.

No matter where you are in the home buying process, I can help.

With more than 20 years of experience in the mortgage industry, Ana Shaw is a seasoned loan officer specializing in helping clients navigate the home financing process with confidence and clarity. She proudly works alongside national homebuilders, gaining in-depth knowledge of new construction loans and guiding home buyers though every step of their journey. Originally from Chihuahua, Mexico, she brings a strong work ethic, cultural understanding, and a deep commitment to providing exceptional customer service.

"I take a lot of pride in bringing a personal, caring approach to every client I work with," Shaw says. "Helping people reach their homeownership goals is what I love to do. I'm here to make the lending process smooth and personal and provide step-by-step guidance."

Personalized service and a commitment to finding the right loan for your needs, I make getting a mortgage simple and stress free. Contact me today to get started on your path to homeownership.

- I waive lender fees, no processing charge, no underwriting fee, no admin fee or any other junk fees.

- Wholesale Interest Rates.

- 100% Financing for FHA with no income restrictions. This is not a Down Payment Assistance program.

- 1% down conventional home loan.  

- I offer lender incentives to assist with closing costs or rate reduction.

- I do soft credit checks at pre-approval so no impact to your score.

- Self-employed buyer expert.

- No income, no employment loan program.

SPECIAL OFFERINGS FOR BLOOMFIELD CUSTOMERS:

    - No Lender Fees Refinance

    - Finance Pool/Outdoor Kitchen with your Home Purchase

    - Down Payment Assistance Available

    - Texas Vet Loans because We Love our Veterans

    - Over 1600 5-Star Customer Reviews

    - Soft Credit Check for Loan Pre-Qualification, No Impact to Score

CCM is America’s #1 Retail Mortgage Lender. We have more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. In 2025, our team closed over 131,000 home purchases — making 1 in 35 homes a CCM home.  

Our company has been recognized 10 times on the Inc. 5000 list of America’s fastest-growing private businesses, received many awards for our standout culture and been named the nation’s top retail lender by Scotsman Guide and Mortgage Executive Magazine.  

We offer more than 120 purchase, refinance and home equity solutions — ranging from conventional and jumbo mortgages to government-insured programs from FHA and programs for Veterans and rural homebuyers — and we are a direct lender and approved seller and servicer by Freddie Mac, Fannie Mae and Ginnie Mae.  

Through our dedication to getting it done, we make every mortgage feel like a win.  

Texas Mortgage Associates, Inc was founded in 2004 and is among the most stable, reliable, and experienced mortgage advisors in the Texas market. Known for low rates, expert consultation and a reliable experience Texas Mortgage Associates, Inc’s sole purpose is to make a positive difference in our client’s financial life.

We invite you to experience the difference.

Buying a home today, can help build wealth through homeownership. We offer the education you deserve, and a payment that fits your lifestyle.  We offer the basic, FHA, VA and Conventional loans of course,  but have Designed other solutions to help too.  A great mortgage plan, with super rates, has earned us over 1000 online reviews, and the Top 1% in the US, year after year.  Let’s connect!

*Have a home to sell, use Keys4You to buy now, then sell.

*Can’t document all your income, let’s skip it and use our No Income program.

*BOOST your power if you are self-employed. No reason to wait 1 to 2 years, need 90 days only!

*Skip 6 – Skip up to 6 months of interest – for FHA and VA loans.

*AnyTIME, 100% financing, 1st time or anytime you are a buyer.

*Need a little credit TLC, give us a call.

*If your preferred language is Spanish, we can help.

*We offer lender incentives, you bet!